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  • FIRST POST
    • Vicky496
    • By Vicky496 5th Aug 18, 11:55 AM
    • 202Posts
    • 550Thanks
    Vicky496
    Talking to myself but you're welcome to listen
    • #1
    • 5th Aug 18, 11:55 AM
    Talking to myself but you're welcome to listen 5th Aug 18 at 11:55 AM
    New diary for new debts...

    Backstory briefly - was previously in a lot of debt, dug out, stayed out for a blooming long time including through one year of maternity leave (DD) and beyond... But I've just finished another year of maternity leave (DS) which we weren't as prepared for financially and so here I am to clear my new debt whilst also sticking to my slimming world diet hopefully!.

    I'm keeping a diary for myself really, to keep me honest and on it! but it's nicer to have a bit of interaction with like minded people and maybe I'll write something sometimes that will help you or inspire you if you're lurking out there .

    I think all of the debt is on two 0% CCs (one 0% spending and one 0% transfers) except for some in my current account. Will do a proper adding up once I've written this post!

    Last time I enjoyed doing challenges like payment a day and make 10 a day... I'll see what's new and browse the forum in a bit

    I'll keep a debt total each month - made up to the day before pay day - usually the 24th - that way I'm keeping track of the very worst scenario and the rest of the month looks better

    Here's to a positive journey!
    Debt Free No Longer Wannabe
    DFD: 25th July 2014
    About to ruin all that and get a mortgage!
Page 1
    • juliejim
    • By juliejim 5th Aug 18, 12:22 PM
    • 7,572 Posts
    • 151,547 Thanks
    juliejim
    • #2
    • 5th Aug 18, 12:22 PM
    • #2
    • 5th Aug 18, 12:22 PM
    Happy new diary - you've done it once, you'll do it again!

    Jue
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA 5500
    • Vicky496
    • By Vicky496 5th Aug 18, 12:46 PM
    • 202 Posts
    • 550 Thanks
    Vicky496
    • #3
    • 5th Aug 18, 12:46 PM
    • #3
    • 5th Aug 18, 12:46 PM
    Ok, so this isn't the low point in the month (it'll get worse before it gets better again on the 25th )...
    Total debt: 9837.99

    Direct debits/standing orders:
    200 Council Tax
    118.74 Energy bills (one to review!)
    51.52 CC1 minimum repayment (0% spending)
    ? ~50 CC2 minimum repayment (0% balance transfers - only just got this card so don't know the exact repayment yet)
    91.94 Furniture repayments (DFS) 0%, so not worth trying to clear before the cards.
    12.96 O2 mobile (DH deals with his and the TV/Internet and his account isn't in debt so I'm not including that in my debt tracking)
    782.73 Mortgage (on a Fixed rate deal until April 2021)
    28.66 Life insurance (might be able to get this cheaper when I've lost some weight )
    64 water rates
    24 contact lenses (another one to review)
    12.37 TV licence
    18.88 Union fees (I need to look at claiming back tax on this)
    18.11 Home insurance
    5.99 Netflix (I'm not ready to give this up!)

    Total: 1479.90 (101.52 of this is repaying debt to credit cards which are both 0% so it's not an overall outgoing)

    Income from employment/child benefit: 2082.62

    Other expenses:
    45 per week grocery budget (normally 180 per month, but every third month this would be 225 when there's 5 weeks)
    30 monthly clothes budget (estimate) - for me and the kids
    20 monthly gift budget (estimate, will review over the next few months to see if it's accurate)
    100 monthly travel budget
    Total: 375

    Money available for debt repayments each month: 329.24

    We got rid of the car last month which was costing us more than that, if we hadn't we wouldn't be able to repay as easily!

    Actions:
    1) Review direct debits above
    2) Claim back for car related things that we no longer need: insurance, tax, service plan
    3) Look at debt free wannabe challenges and the grocery challenge on the old school board. And update my signature!
    Debt Free No Longer Wannabe
    DFD: 25th July 2014
    About to ruin all that and get a mortgage!
    • Vicky496
    • By Vicky496 5th Aug 18, 12:47 PM
    • 202 Posts
    • 550 Thanks
    Vicky496
    • #4
    • 5th Aug 18, 12:47 PM
    • #4
    • 5th Aug 18, 12:47 PM
    Thanks juliejim Totally right! It'll take some time, but I've got my eye on it and I'm going to do it again
    Debt Free No Longer Wannabe
    DFD: 25th July 2014
    About to ruin all that and get a mortgage!
    • pidge04
    • By pidge04 5th Aug 18, 5:16 PM
    • 272 Posts
    • 479 Thanks
    pidge04
    • #5
    • 5th Aug 18, 5:16 PM
    • #5
    • 5th Aug 18, 5:16 PM
    I would love to be without my car! That is definitely going to be a good saving every month.

    I claimed back a few years worth of professional fees and I think I got a cheque back for 150 so definitely worth doing.

    You sound purposeful and determined! Good luck!
    CC1 2400/599 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • beanielou
    • By beanielou 5th Aug 18, 10:32 PM
    • 56,147 Posts
    • 226,939 Thanks
    beanielou
    • #6
    • 5th Aug 18, 10:32 PM
    • #6
    • 5th Aug 18, 10:32 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Vicky496
    • By Vicky496 6th Aug 18, 5:15 PM
    • 202 Posts
    • 550 Thanks
    Vicky496
    • #7
    • 6th Aug 18, 5:15 PM
    • #7
    • 6th Aug 18, 5:15 PM
    2.5 lbs off this morning at my slimming world group! That makes 4 stone 7.5 pounds in 2018!!!
    Debt Free No Longer Wannabe
    DFD: 25th July 2014
    About to ruin all that and get a mortgage!
    • EarlyRetirement
    • By EarlyRetirement 6th Aug 18, 5:20 PM
    • 47 Posts
    • 230 Thanks
    EarlyRetirement
    • #8
    • 6th Aug 18, 5:20 PM
    • #8
    • 6th Aug 18, 5:20 PM
    Well done.
    Barclaycard - 2251.49/21.72
    • Vicky496
    • By Vicky496 6th Aug 18, 5:47 PM
    • 202 Posts
    • 550 Thanks
    Vicky496
    • #9
    • 6th Aug 18, 5:47 PM
    • #9
    • 6th Aug 18, 5:47 PM
    August Tracker - spending diary and challenges!
    I'll edit this entry regularly (month runs 25th July - 24th August)... last updated Wednesday 8th August, 16 days left!

    4.25+1.18+2.83+2.75+41.64+1.62+48.80+(co-op today... I'll find the receipt and fill in tomorrow... just under 3)
    = 103.07/180 Groceries

    42.87/30 Clothes

    3.99/20 Gifts

    4+25+4+4+18.15+10.13 (Bus day tickets: 3, 25 community car share sign up, the rest is car hire/parking)
    = 65.28/100 Travel

    9+10 (9 on a kids table in Ikea, 10 cash, 2.45 drink at the local pub), 2.95 tea/milk for DD in cafe with friends
    = 24.40/45 Other

    4+2.5+?(13th)+?(20th)
    = 6.5 lbs lost so far!

    163.84 (car insurance claimed back) + 118.12 (car service plan claimed back)
    = 281.96/310 Make 10 a day challenge
    Last edited by Vicky496; 08-08-2018 at 9:54 PM.
    Debt Free No Longer Wannabe
    DFD: 25th July 2014
    About to ruin all that and get a mortgage!
    • pidge04
    • By pidge04 6th Aug 18, 7:10 PM
    • 272 Posts
    • 479 Thanks
    pidge04
    Well done for everything!
    CC1 2400/599 CC2 3000/2299 CC3 600/448 LOAN 13,000/5462
    • Scott-Weiland
    • By Scott-Weiland 6th Aug 18, 7:15 PM
    • 209 Posts
    • 428 Thanks
    Scott-Weiland
    Good luck on your journey Vicky x
    Cashback Earnings Ish YTD 71.58 Survey Earnings YTD Ish 391.20
    "We are what we repeatedly do. Excellence then, is not an act, but a habit."
    • Vicky496
    • By Vicky496 8th Aug 18, 12:33 AM
    • 202 Posts
    • 550 Thanks
    Vicky496
    I've still got a few basic 'chores' I've not done yet... I keep logging in late at night when I'm about to sleep and by now I can't be bothered to look for the page to change my signature... I'll get to it soon!

    Having the posts above helps me remember what I've still got to check - direct debits that need reviewing! So that's useful and I was going to look up how to claim back tax on my union fees... another thing I'll get to when I get a bit longer

    I started thinking about maybe growing fruit/veg in the garden at some point... quite a lot of our grocery bill goes on fruit in particular. I'll keep an eye out for some fruit plant bargains. Cucumbers, lettuce, and cauliflower might be worth the hassle to save a bit too (I don't see the point of putting the effort into growing some stuff... eg carrots are only 6p each so it seems easier just to buy them!).

    I think I'm going to go over budget on groceries and travel, but I'm just going to try to limit the damage - maybe I can be under budget in some of my other categories to make up for it. If not, I'll just learn from it for next time or tweak the budget to be more realistic.

    We've downshifted quite a lot of groceries recently - I have a delivery saver plan for Tesco which stops me impulse buying in store (I can remove all those unnecessary things from the online basket before I checkout!). This week we're trying value squash and rosedean apples. Last week the value crisps were accepted by the 3 year old (all that matters!) and I swapped our usual biscuits for tea biscuits (30p a pack and lower syn for my slimming world plan). I stopped buying muller yoghurts (or any yoghurt - is expensive even on offer!) too and bought more eggs to boil up in batches and snack on (they work out about 8p per egg which is cheaper than snacking on fruit).

    I'm on a mission to use up stuff that's been sat in the cupboard/freezer for ages... and this week I'm going to do a lot of batch cooking too - chilli and bolognese are a great way to pad mince with tinned tomatoes/cheap veg and make it stretch further (freeze and then microwave when needed).
    Debt Free No Longer Wannabe
    DFD: 25th July 2014
    About to ruin all that and get a mortgage!
    • juliejim
    • By juliejim 8th Aug 18, 6:19 AM
    • 7,572 Posts
    • 151,547 Thanks
    juliejim
    You're going great guns already and fantastic weight loss!
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA 5500
    • Vicky496
    • By Vicky496 8th Aug 18, 9:46 PM
    • 202 Posts
    • 550 Thanks
    Vicky496
    Had a couple of little spends today - needed peppers for batch cooking and popped into a charity shop for some kids clothes while I was there.

    Made a huge batch of bolognese in the slow cooker - one of the cheapest meals I make per portion (this made 20 portions!)... this one had:
    - 375g lean mince (half of a 750g pack)
    - a bag of frozen chopped mushrooms
    - 2 peppers
    - 1 onion
    - 3 tsps lazy garlic
    - 1/4 pot of schwartz italian seasoning (just what I had to use up)
    - 2 beef stock cubes
    - 1 tsp chilli powder
    - 3 tins of tomatoes
    - 1/4 tube of tomato puree
    - salt and pepper
    - pint of water
    - about 50g red lentils

    It doesn't really matter what goes in as long as it's got good flavour. I've not put red lentils in before, but I know they're supposed to be good for padding and stretching a meal further, and since I had some anyway it seemed like a good chance to try it. You can't tell there's any in it really! Was very very yummy. And totally syn free for anyone watching their weight! I had it with some spaghetti and 3 syns (15g) of cheddar grated on the fine side (it spreads further).

    I've kept one portion out for lunch tomorrow and frozen the rest in 2-portion tubs (I usually cook for 2 people at a time anyway).

    I'll used them to make:
    - spag bol
    - bolognese pasta bake (Stir a 2 portion tub and a tin of tomatoes/pasata into 350g cooked fusilli, top with grated cheddar and bake for 20 mins - serves 4... meaning the bolognese goes even further)
    - lasagne (instead of cheese sauce, when I'm slimming I'll use - 500g low fat plain yogurt with 2 eggs mixed in, then cheddar synned/healthy A on top)

    Speaking of lasagne, I've started browsing the old style moneysaving board - there's a really good series of threads for thrifty weight loss and I found a recipe I might try...
    Baked bean lasagne:
    - cook an onion and 2 cloves of garlic and add to 2 tins of cheap baked beans.
    - layer with cheese sauce (or I might try my yoghurt/egg mix) and about 12 sheets of lasagne. Cheese (synned or healthy A) on top and bake for 30 mins.
    Debt Free No Longer Wannabe
    DFD: 25th July 2014
    About to ruin all that and get a mortgage!
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